WELCOME TO ISSUE NO #049

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📆 Today’s Rundown

Hey 👋, hope you had a great week! We skipped last week due to my Birthday…ooops 😅 But in order to make it up to you, you’ll find below a link for all my paid products which are discounted 60% off next 48 hours! (scroll down) 🎁

In the last issue, we discussed why tracking Cash Flow from Operating Activities matters, and now we are moving with the next topic from Cash Flow & Expenses content.

Let’s talk about ⬇️

Cash Inflows And Outflows

Whether you’re seed-stage or post-Series B, you can’t scale or survive without managing it intentionally.

But too many founders only look at total cash in vs. cash out—which is like checking your speed but not your fuel when driving cross-country.

So today, I want to show you 6 strategic ways to improve your SaaS cash flow (without relying on short-term hacks).

TL;DR

1️⃣ Tighten up your Accounts Receivable (AR)

2️⃣ Build smarter, more frequent cash flow forecasts

3️⃣ Lease instead of buying big-ticket assets

4️⃣ Incentivize early and on-time payments

5️⃣ Go digital with vendor payments

6️⃣ Audit (and evolve) your pricing

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1️⃣ Tighten up your Accounts Receivable (AR)

Cash trapped in overdue invoices is not real cash.

If your customers are taking 45, 60, or even 90+ days to pay, it’s time to act:

• Review your payment terms (net 15 > net 60 when you’re growing fast)

• Send invoices immediately after delivery — not days later

• Offer small discounts (1–2%) for early payments

• Set up automated reminders and follow-ups in your billing system

• For high-value accounts: assign a human owner for collections

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2️⃣ Build smarter, more frequent cash flow forecasts

Most founders forecast once per quarter—but that’s not enough.

You should have:

• A 13-week short-term forecast to manage your burn and make weekly decisions

• A 12–18 month forecast tied to your strategic and hiring plan

The best teams treat forecasting as real-time navigation, not backward reporting.

If you’re working with us, try building a rolling forecast in Excel or Google Sheets that updates with each actual month.

Need clarity on your financial strategy or cash flow optimization?

I'm Aleksandar, fractional CFO at Fiscallion, where we help founders like you achieve financial clarity, streamline reporting, and build investor-ready forecasts.

Ready to level up your finances?

3️⃣ Lease instead of buying big-ticket assets

Buying laptops, software licenses, or production equipment upfront can kill your runway.

Leasing gives you:

• Lower upfront costs

• Predictable monthly payments

• Easier upgrades without reselling assets

• More flexibility if your team size or tooling changes

Example: Instead of paying $60K upfront for a new analytics platform or warehouse equipment, leasing it at $2K/month gives you more cash flexibility for growth or hiring.

This doesn’t just reduce outflows—it also protects your mental space from cash anxiety.

4️⃣ Incentivize early and on-time payments

Your clients and customers probably have multiple vendors. If you don’t reward speed, you won’t be prioritized.

Here’s what works:

• Early pay discounts (e.g. 2% off if paid within 10 days)

• Late payment penalties (include this in contracts upfront)

• Tiered incentives for annual prepayments (especially for SaaS subscriptions)

One client of mine recovered $37K in overdue invoices simply by offering a 1% discount for same-week payment.

5️⃣ Go digital with vendor payments

Paying by check is outdated and expensive (in time and friction).

Switching to electronic payments means:

• Faster transaction settlement (same-day vs. 3–5 days)

• Fewer "lost in the mail" issues

• Easier AP tracking and reconciliation

• More opportunities to negotiate discounts

If you pay early and consistently, you can ask vendors for better terms or priority delivery. Vendors love reliable partners.

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6️⃣ Audit (and evolve) your pricing

Cash flow isn’t just about what goes out. It’s about bringing in more for what you already do.

If your pricing:

• Hasn’t changed in a year

• Doesn’t reflect the value customers get

• Leaves money on the table via unlimited freebies...

…it’s time to reassess.

✅ Bundle premium features into higher-tier plans
✅ Introduce usage-based pricing or add-ons
✅ Run experiments with annual billing-only plans to front-load cash inflows

📉 Most startups fail because of poor cash control—not lack of demand.

If you want to scale confidently, optimize burn, or prep for fundraising, I can help.

I’m Aleksandar, Fractional CFO at Fiscallion, and I help fast-growing SaaS & tech teams turn finance into their strategic unfair advantage.

👉 Book a free 1:1 strategy call and let’s build a smarter, cash-aware growth plan together.

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